EARNINGS/INCOME PER MONTH   TOTALS     % Guide*   TOTALS           6. INSURANCE 5%   Salary #1 (net take-home)           (Paid by You)       Salary #2 (net take-home)               Other Income (less taxes)       AUTO               PROPERTY     TOTAL MONTHLY INCOME       LIFE       *       MEDICAL/DENTAL/VISION        % Guide       Other     1. GIVING 10%+       %     Church     7. HOUSEHOLD/PERSONAL 15-25%   OTHER CONTRIBUTIONS     GROCERIES               CLOTHES/DRY CLEANING       %       GIFTS     2. SAVING 5-10%     HOUSEHOLD ITEMS     EMERGENCY       PERSONAL:       REPLACEMENT       Liquor/Tobacco     LONG TERM       Cosmetics       %       Barber/Beauty     3. DEBT 0-10%     OTHER:       CREDIT CARDS         Books/Magazines     VISA       Allowances     Master Card       Music Lessons     Discover       Personal Technology     American Express       Education     Gas Cards       Miscellaneous     Department Stores         %     EDUCATION LOANS       8. ENTERTAINMENT 5-10%   OTHER LOANS       GOING OUT:       Bank Loans       Meals     Family Friends       Movies/Events     OTHER LOANS       Baby-sitting       %       TRAVEL (VACATION/TRIPS)     4. HOUSING 25-38%     OTHER:       MORTGAGE/TAXES/RENT       Fitness/Sports     MAINTENANCE/REPAIRS       Hobbies     UTILITIES         Media Rental     Electric       Other     Gas         %     Water       9. PROF. SERVICES 5-15%   Trash       CHILD CARE     Telephone/Internet       MEDICAL/DENTAL/PRESC.     Cable TV       OTHER       Other        Legal       %       Counseling     5. Auto/Transportation 12-15%     Professional Dues     CAR PAYMENT/LICENSE         %     GAS & BUS/TRAIN/PARKING       10. MISC. SMALL CASH ITEMS 2-3%   OIL/LUBE/MAINTENANCE               %         %     _____________________________________________________________   TOTAL EXPENSES     * This number is a % of total monthly income.  The percentages above these numbers in the light green header line are guidelines you should consider for these categories of expenses and may be different for individual situations.  However, there should be good rationale for a significant variance.             TOTAL MONTHLY INCOME     TOTAL EXPENSES     INCOME OVER/ (UNDER) EXPENSES
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The Jones Family


Your Freshman Year in College


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